Understanding Commercial Truck Insurance<\/strong> <\/h2>\n\n\n\nWSDOT has put together an incredibly comprehensive<\/a> (and barely readable) PDF that explains everything you could ever want to know about commercial trucking and the rules that go along with this business. One of those aspects is the type of insurance you need as an owner-operator in this space. Basically, you need a lot <\/em>of liability \u2014 anywhere from $300,000 combined single limit (CSL) to $5 million if you\u2019re lugging some crazy stuff like poison gas (no joke, it\u2019s literally known as \u201cPoison A\u201d in the WSDOT guide). <\/p>\n\n\n\nWhat It Covers and Who Needs It<\/strong> <\/h3>\n\n\n\nThis insurance covers any number of hazards and risks you might run into on the road as a commercial trucker. That means liability, collision, hazardous situations, and passenger transportation risk. All of these types of situations could easily swamp a typical owner-operator like you. Even one truck doing short hops around Seattle or Spokane still faces big medical bills, repair costs, and lawsuits if something goes wrong. That\u2019s where big rig insurance coverage comes in. <\/p>\n\n\n\n
Primary Liability vs. General Liability<\/strong> <\/h3>\n\n\n\nTwo big liability coverages get confused all the time, from Mount Rainier to the Sound<\/a>. But most trucking operations need both, especially if you have a yard, shop, or terminal. Here\u2019s the basic difference: <\/p>\n\n\n\n\n- Primary Auto Liability<\/strong>: \u201cI hit something with the truck.\u201d\u00a0<\/li>\n<\/ol>\n\n\n\n
\n- General Liability<\/strong>: \u201cSomething went wrong with my business, not just my driving.\u201d\u00a0<\/li>\n<\/ol>\n\n\n\n
Primary Auto covers bodily injuries, property damage, rear-ending annoying Priuses on I-405 \u2014 you get the picture. <\/p>\n\n\n\n
General liability, on the other hand, covers slip-and-fall accidents, miscellaneous accidents associated with loading and unloading, and other covered risks. But you ultimately need both as an owner. <\/p>\n\n\n\n
How Truck Insurance Works<\/strong> <\/h2>\n\n\n\nHow owner-operator truck insurance works depends a lot on who owns what. If you\u2019re the boss, that\u2019s one type of situation. If you own your own truck or lease it, that can change the calculation, too. Here\u2019s what you need to know. <\/p>\n\n\n
\n![\"8](\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2019\/12\/What-Is-Commercial-Truck-Insurance-2.jpg\")
<\/figure><\/div>\n\n\n<\/div>\n\n\n\nOwner-Operators vs. Leased Drivers<\/strong> <\/h3>\n\n\n\nIf you\u2019re the owner-operator, you\u2019re the boss and the one the Feds look at. You usually need primary liability, physical damage for your own truck, motor truck cargo, general liability, and possibly trailer interchange and other products. It\u2019s all on you, basically. <\/p>\n\n\n\n
Compared to being a leased driver or leased-on owner-operator, there are some differences. If you\u2019re leased on to a motor carrier, they often provide primary liability and sometimes cargo coverage, while you\u2019re responsible for protecting your own equipment (physical damage) and possibly non-trucking liability when you\u2019re off dispatch. The exact split depends on your lease agreement. <\/p>\n\n\n\n
Federal Liability Requirements Explained<\/strong> <\/h3>\n\n\n\nIf you\u2019re hauling interstate freight, the Federal Motor Carrier Safety Administration (FMCSA) says you must carry minimum levels of financial responsibility. For most for-hire carriers hauling general freight, that\u2019s at least $750,000 in primary liability. For certain oil and hazardous materials, minimums can climb up to $5 million (yikes, but that\u2019s semi-truck insurance for you). <\/p>\n\n\n\n
And if you just want to know what Washington requires (you\u2019re only hauling freight within the state), you can refer to the WSDOT guide mentioned previously for the exact specs. Or, better yet, talk to an experienced agent, because this isn\u2019t an area where you should play games. <\/p>\n\n\n\n
The Cost of Big Rig Insurance<\/strong> <\/h2>\n\n\n\n So what does all this cost? Honestly, it depends\u2014and here\u2019s what it depends on. <\/p>\n\n\n\n
What Affects Your Premium<\/strong> <\/h3>\n\n\n\nTruck insurance cost factors are a mix of math and vibes. The math: complex numbers about your operation. The vibes: how risky you look to an underwriter who\u2019s seen way too many claim photos. Accidents and DOT violations obviously don\u2019t help. Other factors include your equipment, routes, freight type, and the bread and butter of insurance \u2014 limits and deductibles. Many of these policies are more complicated than bog-standard personal policies, so you\u2019ll want to talk to an agent to get the best idea of what\u2019s going on here. <\/p>\n\n\n\n
Tips to Lower Your Trucking Insurance Costs<\/strong> <\/h3>\n\n\n\nThere\u2019s no silver bullet to wiping out your premiums, but there are a few things to consider. First, you need clean records, safe driving, and absolutely no DUIs whatsoever.<\/strong> In fact, if you\u2019re caught driving a heavy tonnage vehicle with alcohol in your system, you can bet that you won\u2019t be driving that vehicle in the future after the authorities have their way. <\/p>\n\n\n\nAdditionally, work with a specialist who can help ensure you have the appropriate <\/em>amount of coverage and understands your unique business circumstances. They can also point you toward discounts and bundling options that might save you big on trucking insurance<\/a> from the get-go. <\/p>\n\n\n\nCommon Types of Truck Insurance Coverage<\/strong> <\/h2>\n\n\n\nSo, the most common types of trucking insurance coverage include the following: <\/p>\n\n\n\nCoverage Type<\/strong> <\/td>What It Covers<\/strong> <\/td><\/tr>Primary Liability<\/strong> <\/td>Bodily injury and property damage caused by your truck (in other words, commercial vehicle liability insurance) <\/td><\/tr> General Liability<\/strong> <\/td>Third-party injury and property damage outside driving incidents <\/td><\/tr> Physical Damage<\/strong> <\/td>Collision, theft, vandalism, or weather-related truck damage <\/td><\/tr> Bobtail Insurance<\/strong> <\/td>Accidents when the truck isn\u2019t hauling cargo <\/td><\/tr> Cargo Insurance<\/strong> <\/td>Damage or loss of the goods you haul <\/td><\/tr> Reefer Breakdown<\/strong> <\/td>Refrigerated cargo loss from mechanical failure <\/td><\/tr> Uninsured Motorist Coverage<\/strong> <\/td>Accidents involving drivers without insurance <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\nOptional Add-Ons for Extra Protection<\/strong> <\/h2>\n\n\n\nNot every trucking business is the same. A small dump truck outfit in Tacoma, a livestock hauler in eastern Washington, and a regional reefer operation along I-5 all face different risks. Optional coverages help you tailor the policy. <\/p>\n\n\n\n
Workers\u2019 Compensation<\/strong> <\/h3>\n\n\n\nIf you have employees, workers\u2019 comp can help cover medical bills, lost wages, and rehab costs when someone gets hurt on the job. That might be a driver who got injured in a crash, a mechanic who broke their arm in the shop, or a yard worker who got injured during loading. <\/p>\n\n\n\n
Hazmat and Livestock Coverage<\/strong> <\/h3>\n\n\n\nHauling hazardous materials or livestock? You\u2019re in a more complex risk world. And a much more expensive one, too, according to WSDOT (remember that $5 million liability sticker price mentioned above?). In addition, livestock haulers may need coverage for injuries, escapes, or animal deaths during transit. <\/p>\n\n\n\n
Umbrella and Terminal Insurance<\/strong> <\/h3>\n\n\n\nSuppose a catastrophic claim blows through your auto liability limit. In that case, the umbrella can kick in above that limit, while terminal coverage can help protect cargo stored at a yard, terminal, or warehouse for a limited time (think overnight freight at a fenced lot in Kent before you ship it out). <\/p>\n\n\n\n
Get a Quote and Keep on Trucking With Vern Fonk<\/strong> <\/h2>\n\n\n\nIf reading all this has you thinking, \u201cI just want someone to tell me what I actually need,\u201d that\u2019s where Vern Fonk commercial insurance steps in. Give us a call today at (800) 455-8276<\/a>, get a quote online<\/a>, or visit one of our many Washington locations<\/a> today to get started with affordable trucking insurance! <\/p>\n\n\n\nFAQs<\/strong> <\/h2>\n\n\n\nHow Much Commercial Truck Insurance Do I Need?<\/strong> <\/h3>\n\n\n\nIn practice, many shippers, brokers, and contractors require around $1 million in primary liability, cargo limits depending on the type of freight, and proof of coverage before they\u2019ll load it up. <\/p>\n\n\n\n
How Is Trucking Insurance Different from Auto Insurance?<\/strong> <\/h3>\n\n\n\nCommercial truck insurance is built for heavy vehicles (gross tonnage), regulatory environments, and high cargo values. None of that usually applies to a minivan, unless you happen to be hauling around some precious metals in your backseat. <\/p>\n\n\n\n
Do Owner-Operators Need Their Own Truck Insurance?<\/strong> <\/h3>\n\n\n\nUsually, yes, especially if you operate under your own authority. Be safe here and ask your agent for more info. Never assume \u201cthe carrier covers everything.\u201d <\/p>\n\n\n\n
What Factors Affect the Cost of Truck Insurance?<\/strong> <\/h3>\n\n\n\nAccidents, violations, CDL years, experience, the value of your equipment \u2014 all of that matters, and all of those factors into the price. You can only know for sure what that cost will be when you ask your agent. <\/p>\n\n\n\n
Is Cargo Insurance Required by Law?<\/strong> <\/h3>\n\n\n\nNot at the federal level, but that\u00a0doesn\u2019t\u00a0mean you\u00a0shouldn\u2019t\u00a0have it. At the state level, in Washington, the answer is more complicated. Vehicles over 10,000 GVWR need $20k in minimum cargo insurance, and those under need $10k.\u00a0<\/p>\n\n\n\n
What It Covers and Who Needs It<\/strong> <\/h3>\n\n\n\nThis insurance covers any number of hazards and risks you might run into on the road as a commercial trucker. That means liability, collision, hazardous situations, and passenger transportation risk. All of these types of situations could easily swamp a typical owner-operator like you. Even one truck doing short hops around Seattle or Spokane still faces big medical bills, repair costs, and lawsuits if something goes wrong. That\u2019s where big rig insurance coverage comes in. <\/p>\n\n\n\n
Primary Liability vs. General Liability<\/strong> <\/h3>\n\n\n\nTwo big liability coverages get confused all the time, from Mount Rainier to the Sound<\/a>. But most trucking operations need both, especially if you have a yard, shop, or terminal. Here\u2019s the basic difference: <\/p>\n\n\n\n\n- Primary Auto Liability<\/strong>: \u201cI hit something with the truck.\u201d\u00a0<\/li>\n<\/ol>\n\n\n\n
\n- General Liability<\/strong>: \u201cSomething went wrong with my business, not just my driving.\u201d\u00a0<\/li>\n<\/ol>\n\n\n\n
Primary Auto covers bodily injuries, property damage, rear-ending annoying Priuses on I-405 \u2014 you get the picture. <\/p>\n\n\n\n
General liability, on the other hand, covers slip-and-fall accidents, miscellaneous accidents associated with loading and unloading, and other covered risks. But you ultimately need both as an owner. <\/p>\n\n\n\n
How Truck Insurance Works<\/strong> <\/h2>\n\n\n\nHow owner-operator truck insurance works depends a lot on who owns what. If you\u2019re the boss, that\u2019s one type of situation. If you own your own truck or lease it, that can change the calculation, too. Here\u2019s what you need to know. <\/p>\n\n\n
\n<\/figure><\/div>\n\n\n<\/div>\n\n\n\nOwner-Operators vs. Leased Drivers<\/strong> <\/h3>\n\n\n\nIf you\u2019re the owner-operator, you\u2019re the boss and the one the Feds look at. You usually need primary liability, physical damage for your own truck, motor truck cargo, general liability, and possibly trailer interchange and other products. It\u2019s all on you, basically. <\/p>\n\n\n\n
Compared to being a leased driver or leased-on owner-operator, there are some differences. If you\u2019re leased on to a motor carrier, they often provide primary liability and sometimes cargo coverage, while you\u2019re responsible for protecting your own equipment (physical damage) and possibly non-trucking liability when you\u2019re off dispatch. The exact split depends on your lease agreement. <\/p>\n\n\n\n
Federal Liability Requirements Explained<\/strong> <\/h3>\n\n\n\nIf you\u2019re hauling interstate freight, the Federal Motor Carrier Safety Administration (FMCSA) says you must carry minimum levels of financial responsibility. For most for-hire carriers hauling general freight, that\u2019s at least $750,000 in primary liability. For certain oil and hazardous materials, minimums can climb up to $5 million (yikes, but that\u2019s semi-truck insurance for you). <\/p>\n\n\n\n
And if you just want to know what Washington requires (you\u2019re only hauling freight within the state), you can refer to the WSDOT guide mentioned previously for the exact specs. Or, better yet, talk to an experienced agent, because this isn\u2019t an area where you should play games. <\/p>\n\n\n\n
The Cost of Big Rig Insurance<\/strong> <\/h2>\n\n\n\n So what does all this cost? Honestly, it depends\u2014and here\u2019s what it depends on. <\/p>\n\n\n\n
What Affects Your Premium<\/strong> <\/h3>\n\n\n\nTruck insurance cost factors are a mix of math and vibes. The math: complex numbers about your operation. The vibes: how risky you look to an underwriter who\u2019s seen way too many claim photos. Accidents and DOT violations obviously don\u2019t help. Other factors include your equipment, routes, freight type, and the bread and butter of insurance \u2014 limits and deductibles. Many of these policies are more complicated than bog-standard personal policies, so you\u2019ll want to talk to an agent to get the best idea of what\u2019s going on here. <\/p>\n\n\n\n
Tips to Lower Your Trucking Insurance Costs<\/strong> <\/h3>\n\n\n\nThere\u2019s no silver bullet to wiping out your premiums, but there are a few things to consider. First, you need clean records, safe driving, and absolutely no DUIs whatsoever.<\/strong> In fact, if you\u2019re caught driving a heavy tonnage vehicle with alcohol in your system, you can bet that you won\u2019t be driving that vehicle in the future after the authorities have their way. <\/p>\n\n\n\nAdditionally, work with a specialist who can help ensure you have the appropriate <\/em>amount of coverage and understands your unique business circumstances. They can also point you toward discounts and bundling options that might save you big on trucking insurance<\/a> from the get-go. <\/p>\n\n\n\nCommon Types of Truck Insurance Coverage<\/strong> <\/h2>\n\n\n\nSo, the most common types of trucking insurance coverage include the following: <\/p>\n\n\n\nCoverage Type<\/strong> <\/td>What It Covers<\/strong> <\/td><\/tr>Primary Liability<\/strong> <\/td>Bodily injury and property damage caused by your truck (in other words, commercial vehicle liability insurance) <\/td><\/tr> General Liability<\/strong> <\/td>Third-party injury and property damage outside driving incidents <\/td><\/tr> Physical Damage<\/strong> <\/td>Collision, theft, vandalism, or weather-related truck damage <\/td><\/tr> Bobtail Insurance<\/strong> <\/td>Accidents when the truck isn\u2019t hauling cargo <\/td><\/tr> Cargo Insurance<\/strong> <\/td>Damage or loss of the goods you haul <\/td><\/tr> Reefer Breakdown<\/strong> <\/td>Refrigerated cargo loss from mechanical failure <\/td><\/tr> Uninsured Motorist Coverage<\/strong> <\/td>Accidents involving drivers without insurance <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\nOptional Add-Ons for Extra Protection<\/strong> <\/h2>\n\n\n\nNot every trucking business is the same. A small dump truck outfit in Tacoma, a livestock hauler in eastern Washington, and a regional reefer operation along I-5 all face different risks. Optional coverages help you tailor the policy. <\/p>\n\n\n\n
Workers\u2019 Compensation<\/strong> <\/h3>\n\n\n\nIf you have employees, workers\u2019 comp can help cover medical bills, lost wages, and rehab costs when someone gets hurt on the job. That might be a driver who got injured in a crash, a mechanic who broke their arm in the shop, or a yard worker who got injured during loading. <\/p>\n\n\n\n
Hazmat and Livestock Coverage<\/strong> <\/h3>\n\n\n\nHauling hazardous materials or livestock? You\u2019re in a more complex risk world. And a much more expensive one, too, according to WSDOT (remember that $5 million liability sticker price mentioned above?). In addition, livestock haulers may need coverage for injuries, escapes, or animal deaths during transit. <\/p>\n\n\n\n
Umbrella and Terminal Insurance<\/strong> <\/h3>\n\n\n\nSuppose a catastrophic claim blows through your auto liability limit. In that case, the umbrella can kick in above that limit, while terminal coverage can help protect cargo stored at a yard, terminal, or warehouse for a limited time (think overnight freight at a fenced lot in Kent before you ship it out). <\/p>\n\n\n\n
Get a Quote and Keep on Trucking With Vern Fonk<\/strong> <\/h2>\n\n\n\nIf reading all this has you thinking, \u201cI just want someone to tell me what I actually need,\u201d that\u2019s where Vern Fonk commercial insurance steps in. Give us a call today at (800) 455-8276<\/a>, get a quote online<\/a>, or visit one of our many Washington locations<\/a> today to get started with affordable trucking insurance! <\/p>\n\n\n\nFAQs<\/strong> <\/h2>\n\n\n\nHow Much Commercial Truck Insurance Do I Need?<\/strong> <\/h3>\n\n\n\nIn practice, many shippers, brokers, and contractors require around $1 million in primary liability, cargo limits depending on the type of freight, and proof of coverage before they\u2019ll load it up. <\/p>\n\n\n\n
How Is Trucking Insurance Different from Auto Insurance?<\/strong> <\/h3>\n\n\n\nCommercial truck insurance is built for heavy vehicles (gross tonnage), regulatory environments, and high cargo values. None of that usually applies to a minivan, unless you happen to be hauling around some precious metals in your backseat. <\/p>\n\n\n\n
Do Owner-Operators Need Their Own Truck Insurance?<\/strong> <\/h3>\n\n\n\nUsually, yes, especially if you operate under your own authority. Be safe here and ask your agent for more info. Never assume \u201cthe carrier covers everything.\u201d <\/p>\n\n\n\n
What Factors Affect the Cost of Truck Insurance?<\/strong> <\/h3>\n\n\n\nAccidents, violations, CDL years, experience, the value of your equipment \u2014 all of that matters, and all of those factors into the price. You can only know for sure what that cost will be when you ask your agent. <\/p>\n\n\n\n
Is Cargo Insurance Required by Law?<\/strong> <\/h3>\n\n\n\nNot at the federal level, but that\u00a0doesn\u2019t\u00a0mean you\u00a0shouldn\u2019t\u00a0have it. At the state level, in Washington, the answer is more complicated. Vehicles over 10,000 GVWR need $20k in minimum cargo insurance, and those under need $10k.\u00a0<\/p>\n\n\n\n
Two big liability coverages get confused all the time, from Mount Rainier to the Sound<\/a>. But most trucking operations need both, especially if you have a yard, shop, or terminal. Here\u2019s the basic difference: <\/p>\n\n\n\n Primary Auto covers bodily injuries, property damage, rear-ending annoying Priuses on I-405 \u2014 you get the picture. <\/p>\n\n\n\n General liability, on the other hand, covers slip-and-fall accidents, miscellaneous accidents associated with loading and unloading, and other covered risks. But you ultimately need both as an owner. <\/p>\n\n\n\n How owner-operator truck insurance works depends a lot on who owns what. If you\u2019re the boss, that\u2019s one type of situation. If you own your own truck or lease it, that can change the calculation, too. Here\u2019s what you need to know. <\/p>\n\n\n If you\u2019re the owner-operator, you\u2019re the boss and the one the Feds look at. You usually need primary liability, physical damage for your own truck, motor truck cargo, general liability, and possibly trailer interchange and other products. It\u2019s all on you, basically. <\/p>\n\n\n\n Compared to being a leased driver or leased-on owner-operator, there are some differences. If you\u2019re leased on to a motor carrier, they often provide primary liability and sometimes cargo coverage, while you\u2019re responsible for protecting your own equipment (physical damage) and possibly non-trucking liability when you\u2019re off dispatch. The exact split depends on your lease agreement. <\/p>\n\n\n\n If you\u2019re hauling interstate freight, the Federal Motor Carrier Safety Administration (FMCSA) says you must carry minimum levels of financial responsibility. For most for-hire carriers hauling general freight, that\u2019s at least $750,000 in primary liability. For certain oil and hazardous materials, minimums can climb up to $5 million (yikes, but that\u2019s semi-truck insurance for you). <\/p>\n\n\n\n And if you just want to know what Washington requires (you\u2019re only hauling freight within the state), you can refer to the WSDOT guide mentioned previously for the exact specs. Or, better yet, talk to an experienced agent, because this isn\u2019t an area where you should play games. <\/p>\n\n\n\n So what does all this cost? Honestly, it depends\u2014and here\u2019s what it depends on. <\/p>\n\n\n\n Truck insurance cost factors are a mix of math and vibes. The math: complex numbers about your operation. The vibes: how risky you look to an underwriter who\u2019s seen way too many claim photos. Accidents and DOT violations obviously don\u2019t help. Other factors include your equipment, routes, freight type, and the bread and butter of insurance \u2014 limits and deductibles. Many of these policies are more complicated than bog-standard personal policies, so you\u2019ll want to talk to an agent to get the best idea of what\u2019s going on here. <\/p>\n\n\n\n There\u2019s no silver bullet to wiping out your premiums, but there are a few things to consider. First, you need clean records, safe driving, and absolutely no DUIs whatsoever.<\/strong> In fact, if you\u2019re caught driving a heavy tonnage vehicle with alcohol in your system, you can bet that you won\u2019t be driving that vehicle in the future after the authorities have their way. <\/p>\n\n\n\n Additionally, work with a specialist who can help ensure you have the appropriate <\/em>amount of coverage and understands your unique business circumstances. They can also point you toward discounts and bundling options that might save you big on trucking insurance<\/a> from the get-go. <\/p>\n\n\n\n So, the most common types of trucking insurance coverage include the following: <\/p>\n\n\n\n Not every trucking business is the same. A small dump truck outfit in Tacoma, a livestock hauler in eastern Washington, and a regional reefer operation along I-5 all face different risks. Optional coverages help you tailor the policy. <\/p>\n\n\n\n If you have employees, workers\u2019 comp can help cover medical bills, lost wages, and rehab costs when someone gets hurt on the job. That might be a driver who got injured in a crash, a mechanic who broke their arm in the shop, or a yard worker who got injured during loading. <\/p>\n\n\n\n Hauling hazardous materials or livestock? You\u2019re in a more complex risk world. And a much more expensive one, too, according to WSDOT (remember that $5 million liability sticker price mentioned above?). In addition, livestock haulers may need coverage for injuries, escapes, or animal deaths during transit. <\/p>\n\n\n\n Suppose a catastrophic claim blows through your auto liability limit. In that case, the umbrella can kick in above that limit, while terminal coverage can help protect cargo stored at a yard, terminal, or warehouse for a limited time (think overnight freight at a fenced lot in Kent before you ship it out). <\/p>\n\n\n\n If reading all this has you thinking, \u201cI just want someone to tell me what I actually need,\u201d that\u2019s where Vern Fonk commercial insurance steps in. Give us a call today at (800) 455-8276<\/a>, get a quote online<\/a>, or visit one of our many Washington locations<\/a> today to get started with affordable trucking insurance! <\/p>\n\n\n\n In practice, many shippers, brokers, and contractors require around $1 million in primary liability, cargo limits depending on the type of freight, and proof of coverage before they\u2019ll load it up. <\/p>\n\n\n\n Commercial truck insurance is built for heavy vehicles (gross tonnage), regulatory environments, and high cargo values. None of that usually applies to a minivan, unless you happen to be hauling around some precious metals in your backseat. <\/p>\n\n\n\n Usually, yes, especially if you operate under your own authority. Be safe here and ask your agent for more info. Never assume \u201cthe carrier covers everything.\u201d <\/p>\n\n\n\n Accidents, violations, CDL years, experience, the value of your equipment \u2014 all of that matters, and all of those factors into the price. You can only know for sure what that cost will be when you ask your agent. <\/p>\n\n\n\n Not at the federal level, but that\u00a0doesn\u2019t\u00a0mean you\u00a0shouldn\u2019t\u00a0have it. At the state level, in Washington, the answer is more complicated. Vehicles over 10,000 GVWR need $20k in minimum cargo insurance, and those under need $10k.\u00a0<\/p>\n\n\n\n\n
\n
How Truck Insurance Works<\/strong> <\/h2>\n\n\n\n
<\/figure><\/div>\n\n\nOwner-Operators vs. Leased Drivers<\/strong> <\/h3>\n\n\n\n
Federal Liability Requirements Explained<\/strong> <\/h3>\n\n\n\n
The Cost of Big Rig Insurance<\/strong> <\/h2>\n\n\n\n
What Affects Your Premium<\/strong> <\/h3>\n\n\n\n
Tips to Lower Your Trucking Insurance Costs<\/strong> <\/h3>\n\n\n\n
Common Types of Truck Insurance Coverage<\/strong> <\/h2>\n\n\n\n
Coverage Type<\/strong> <\/td> What It Covers<\/strong> <\/td><\/tr> Primary Liability<\/strong> <\/td> Bodily injury and property damage caused by your truck (in other words, commercial vehicle liability insurance) <\/td><\/tr> General Liability<\/strong> <\/td> Third-party injury and property damage outside driving incidents <\/td><\/tr> Physical Damage<\/strong> <\/td> Collision, theft, vandalism, or weather-related truck damage <\/td><\/tr> Bobtail Insurance<\/strong> <\/td> Accidents when the truck isn\u2019t hauling cargo <\/td><\/tr> Cargo Insurance<\/strong> <\/td> Damage or loss of the goods you haul <\/td><\/tr> Reefer Breakdown<\/strong> <\/td> Refrigerated cargo loss from mechanical failure <\/td><\/tr> Uninsured Motorist Coverage<\/strong> <\/td> Accidents involving drivers without insurance <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Optional Add-Ons for Extra Protection<\/strong> <\/h2>\n\n\n\n
Workers\u2019 Compensation<\/strong> <\/h3>\n\n\n\n
Hazmat and Livestock Coverage<\/strong> <\/h3>\n\n\n\n
Umbrella and Terminal Insurance<\/strong> <\/h3>\n\n\n\n
Get a Quote and Keep on Trucking With Vern Fonk<\/strong> <\/h2>\n\n\n\n
FAQs<\/strong> <\/h2>\n\n\n\n
How Much Commercial Truck Insurance Do I Need?<\/strong> <\/h3>\n\n\n\n
How Is Trucking Insurance Different from Auto Insurance?<\/strong> <\/h3>\n\n\n\n
Do Owner-Operators Need Their Own Truck Insurance?<\/strong> <\/h3>\n\n\n\n
What Factors Affect the Cost of Truck Insurance?<\/strong> <\/h3>\n\n\n\n
Is Cargo Insurance Required by Law?<\/strong> <\/h3>\n\n\n\n